{"id":753186,"date":"2024-09-15T17:19:08","date_gmt":"2024-09-15T13:19:08","guid":{"rendered":"https:\/\/arantv.az\/?p=753186"},"modified":"2024-09-15T17:19:08","modified_gmt":"2024-09-15T13:19:08","slug":"kredit-kartlari-il%c9%99-bagli-yeni-qaydalar-g%c9%99lir-s%c9%99rtl%c9%99r-v%c9%99t%c9%99ndaslarin-xosuna-g%c9%99lm%c9%99s%c9%99","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=753186","title":{"rendered":"Kredit kartlar\u0131 il\u0259 ba\u011fl\u0131 yeni qaydalar g\u0259lir: \u015e\u0259rtl\u0259r v\u0259t\u0259nda\u015flar\u0131n xo\u015funa g\u0259lm\u0259s\u0259&#8230;"},"content":{"rendered":"<div class=\"text-content\" data-id=\"\" data-url=\"\">\n<p>2024-c\u00fc ilin II r\u00fcb\u00fcnd\u0259 kredit kartlar\u0131 \u00fczr\u0259 kredit standartlar\u0131nda s\u0259rtl\u0259\u015fm\u0259 m\u00fc\u015fahid\u0259 edilib. Bu bar\u0259d\u0259 Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n kreditl\u0259\u015fm\u0259 f\u0259aliyy\u0259tin\u0259 dair sor\u011funun n\u0259tic\u0259l\u0259rind\u0259 bildirilib. Sor\u011fuya \u0259sas\u0259n, banklar 2024-c\u00fc ilin III r\u00fcb\u00fcnd\u0259 \u0259m\u0259khaqq\u0131 kreditl\u0259ri \u00fczr\u0259 standartlarda d\u0259yi\u015fiklik olmayaca\u011f\u0131n\u0131 v\u0259 kredit kartlar\u0131 \u00fczr\u0259 standartlarda s\u0259rtl\u0259\u015fm\u0259l\u0259rin yer alaca\u011f\u0131n\u0131 proqnozla\u015fd\u0131r\u0131rlar. \u0130nsanlar\u0131n kredit kartlar\u0131na t\u0259l\u0259binin artd\u0131\u011f\u0131 bir d\u00f6vrd\u0259 bu add\u0131m\u0131n at\u0131lmas\u0131 maraq do\u011furur. Kredit kartlar\u0131 \u00fczr\u0259 kredit standartlar\u0131nda s\u0259rtl\u0259\u015fm\u0259 q\u0259rar\u0131n\u0131 do\u011furan s\u0259b\u0259bl\u0259r hans\u0131lard\u0131r? Bu add\u0131m banklara n\u0259 qazand\u0131racaq?<\/p>\n<p><strong>\u201cBank verdiyi v\u0259saitd\u0259n g\u0259lir \u0259ld\u0259 etm\u0259lidir\u201d<\/strong><\/p>\n<p>Bank m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert Emin K\u0259rimovun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bir \u00e7ox hallarda v\u0259t\u0259nda\u015flar kart\u0131 al\u0131r, lakin istifad\u0259 etmirl\u0259r. Bu, banklara s\u0259rf etmir: \u201cKredit kartlar\u0131ndak\u0131 m\u0259bl\u0259\u011fi m\u00fc\u0259yy\u0259n zamana q\u0259d\u0259r istifad\u0259 etm\u0259k olur. M\u0259s\u0259l\u0259n, be\u015f illik istifad\u0259 m\u00fcdd\u0259ti olan kartdak\u0131 v\u0259saitd\u0259n \u00fc\u00e7 il istifad\u0259 h\u00fcququ verilir, son iki ild\u0259 is\u0259 \u00f6d\u0259m\u0259k t\u0259l\u0259bi qoyulur. M\u00fc\u015ft\u0259ri kart\u0131 g\u00f6t\u00fcr\u00fcr v\u0259 ehtiyat olaraq \u00f6z\u00fcnd\u0259 saxlay\u0131r. \u0130stifad\u0259 etm\u0259diyi \u00fc\u00e7\u00fcn d\u0259 faiz hesablanm\u0131r. Bu, bank\u0131n g\u0259lirl\u0259rinin azalmas\u0131na s\u0259b\u0259b olur. M\u0259s\u0259l\u0259n, bir v\u0259t\u0259nda\u015f iki min manat \u0259m\u0259khaqq\u0131 al\u0131r. Banklara m\u00fcraci\u0259t edir, g\u0259lirl\u0259rini, x\u0259rcini \u00e7\u0131xaraq v\u0259t\u0259nda\u015fa h\u0259r\u0259sind\u0259 be\u015f min manat olan \u00fc\u00e7 kart verirl\u0259r. O is\u0259 h\u0259min kartlardak\u0131 m\u0259bl\u0259\u011f\u0259 ehtiyac\u0131 olmad\u0131\u011f\u0131 \u00fc\u00e7\u00fcn toxunmur, bu zaman kartlardak\u0131 15 min manat m\u0259bl\u0259\u011f he\u00e7 bir g\u0259lir g\u0259tirmir\u201d.<\/p>\n<p>Ekspertin fikrinc\u0259, bu s\u0259b\u0259bl\u0259r banklar\u0131n maliyy\u0259 s\u0131x\u0131nt\u0131s\u0131 ya\u015famas\u0131na q\u0259d\u0259r g\u0259tirib \u00e7\u0131xara bilir: \u201cY\u0259ni, kredit kartlar\u0131ndak\u0131 v\u0259saitd\u0259n ya istifad\u0259 olunmur, ya da v\u0259t\u0259nda\u015f faizi m\u00fcdd\u0259tin sonunda \u00f6d\u0259yir. Banklar \u00f6z v\u0259saitl\u0259rini plastik kart vasit\u0259sil\u0259 m\u00fc\u015ft\u0259riy\u0259 verir, lakin proqnozla\u015fd\u0131r\u0131lan g\u0259liri \u0259ld\u0259 ed\u0259 bilm\u0259diyin\u0259 g\u00f6r\u0259, g\u0259lirlilik \u0259msal\u0131nda m\u00fc\u0259yy\u0259n d\u0259r\u0259c\u0259d\u0259 azalmalar yaran\u0131r. Bank verdiyi v\u0259saitd\u0259n g\u0259lir \u0259ld\u0259 etm\u0259lidir ki, v\u0259saiti dig\u0259r m\u00fc\u015ft\u0259ril\u0259r\u0259 y\u00f6n\u0259ld\u0259r\u0259k pul d\u00f6vriyy\u0259sini geni\u015fl\u0259ndirsin. O s\u0259b\u0259bd\u0259n v\u0259saitl\u0259rin plastik kartlarda yatmas\u0131 banklar \u00fc\u00e7\u00fcn m\u0259qs\u0259d\u0259uy\u011fun deyil. Kredit kartlar\u0131 \u00fczr\u0259 s\u0259rtl\u0259\u015fm\u0259l\u0259r g\u00f6zl\u0259nil\u0259n idi\u201d.<\/p>\n<p>E.K\u0259rimov bildirdi ki, s\u0131rf bel\u0259 hallara g\u00f6r\u0259, banklar daha \u00e7ox na\u011fd kreditl\u0259rin verilm\u0259sin\u0259 \u00fcst\u00fcnl\u00fck verirl\u0259r: \u201c\u00c7\u00fcnki na\u011fd kreditl\u0259r veril\u0259n g\u00fcnd\u0259n faiz hesablan\u0131r. Art\u0131q n\u00f6vb\u0259ti aydan v\u0259t\u0259nda\u015flardan \u00f6d\u0259ni\u015f t\u0259l\u0259b olunur\u201d.<\/p>\n<p><strong>\u015e\u0259rtl\u0259r v\u0259t\u0259nda\u015flar\u0131n xo\u015funa g\u0259lm\u0259s\u0259&#8230;<\/strong><\/p>\n<p>S\u0259rtl\u0259\u015fm\u0259l\u0259rin v\u0259t\u0259nda\u015flara nec\u0259 t\u0259sir ed\u0259c\u0259yi il\u0259 ba\u011fl\u0131 suala g\u0259ldikd\u0259, m\u00fcsahibimiz qeyd etdi ki, plastik kartlara t\u0259l\u0259b bu q\u0259d\u0259r \u00e7ox ik\u0259n, he\u00e7 bir azalma g\u00f6zl\u0259nilmir: \u201cYeni qaydalar \u00fczr\u0259 s\u0259rtl\u0259\u015fm\u0259l\u0259rin v\u0259t\u0259nda\u015flar \u00fc\u00e7\u00fcn h\u0259r hans\u0131 bir \u00e7\u0259tinlik yaradaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnm\u00fcr\u0259m. \u00c7\u00fcnki \u0259g\u0259r banklar\u0131n \u015f\u0259rtl\u0259ri v\u0259t\u0259nda\u015flar\u0131n xo\u015funa g\u0259lm\u0259s\u0259, bu zaman na\u011fd kredit d\u0259 g\u00f6t\u00fcr\u0259 bil\u0259rl\u0259r. H\u0259m\u00e7inin lombard kreditl\u0259rin\u0259 m\u00fcraci\u0259t etm\u0259l\u0259ri d\u0259 m\u00fcmk\u00fcnd\u00fcr. O s\u0259b\u0259bd\u0259n ciddi bir t\u0259siri olmayacaq. Sad\u0259c\u0259, bu, bank sektorunda g\u0259l\u0259c\u0259kd\u0259 yarana bil\u0259c\u0259k m\u0259nfi tendensiyalar\u0131n qar\u015f\u0131s\u0131n\u0131n al\u0131nmas\u0131 \u00fc\u00e7\u00fcn qabaqlay\u0131c\u0131 t\u0259dbirl\u0259r plan\u0131d\u0131r. M\u00fc\u0259yy\u0259n bir d\u00f6vr ke\u00e7dikd\u0259n sonra \u00f6z b\u0259hr\u0259sini ver\u0259c\u0259k, daha sonra t\u0259tbiq olunan qaydalardan imtina da m\u00fcmk\u00fcnd\u00fcr. Plastik kartlar yarand\u0131\u011f\u0131 g\u00fcnd\u0259n v\u0259t\u0259nda\u015flar\u0131n r\u0259\u011fb\u0259tini qazan\u0131b, \u015f\u0259rtl\u0259ri d\u0259 insanlar t\u0259r\u0259find\u0259n b\u0259y\u0259nilir. \u0130st\u0259nil\u0259n halda, onlar\u0131n faydal\u0131 bir maliyy\u0259 al\u0259ti oldu\u011fu q\u0259na\u0259tind\u0259y\u0259m\u201d.<\/p>\n<p><strong>Kredit kartlar\u0131n\u0131n \u0259ld\u0259 edilm\u0259si \u015f\u0259rtl\u0259ri \u00e7ox sad\u0259dir<\/strong><\/p>\n<p>\u0130qtisad\u00e7\u0131 Asif \u0130brahimli is\u0259 dedi ki, kredit kartlar\u0131n\u0131n al\u0131nmas\u0131 \u00fcsullar\u0131 \u00e7ox asand\u0131r. Bel\u0259 oldu\u011fu halda da probleml\u0259r ortaya \u00e7\u0131x\u0131r:<\/p>\n<p>\u201c\u00dcmumiyy\u0259tl\u0259, kredit kartlar\u0131 v\u0259 dig\u0259r kredit m\u0259hsullar\u0131 il\u0259 ba\u011fl\u0131 banklarda borclar\u0131n geri \u00f6d\u0259nilm\u0259m\u0259si il\u0259 ba\u011fl\u0131 ciddi probleml\u0259r ya\u015fan\u0131r. Kredit kartlar\u0131n\u0131n \u0259ld\u0259 edilm\u0259si \u015f\u0259rtl\u0259ri \u00e7ox sad\u0259 oldu\u011funa g\u00f6r\u0259, h\u0259min bankda \u0259m\u0259khaqq\u0131 kart\u0131 olan v\u0259t\u0259nda\u015fa h\u0259r hans\u0131 kredit kartlar\u0131 da t\u0259klif olunur. V\u0259t\u0259nda\u015f da rahatl\u0131qla \u0259ld\u0259 edib istifad\u0259 edir. Amma bir \u00e7ox hallarda g\u00f6t\u00fcr\u00fcl\u0259n m\u0259bl\u0259\u011fi \u00f6d\u0259m\u0259m\u0259 hallar\u0131 ba\u015f verir. D\u00fc\u015f\u00fcn\u00fcr\u0259m ki, bununla ba\u011fl\u0131 q\u0259rar veril\u0259c\u0259k. \u00dcmumiyy\u0259tl\u0259, bank kartlar\u0131n\u0131n al\u0131nmas\u0131 il\u0259 ba\u011fl\u0131 h\u0259m t\u0259hl\u00fck\u0259sizlik meyarlar\u0131n\u0131n art\u0131r\u0131lmas\u0131, h\u0259m d\u0259 onlar\u0131n \u0259ld\u0259 edilm\u0259si istiqam\u0259tind\u0259 m\u00fc\u0259yy\u0259n beyn\u0259lxalq standartlar\u0131n t\u0259l\u0259bl\u0259rin\u0259 uy\u011fun t\u0259dbirl\u0259r h\u0259yata ke\u00e7irilm\u0259lidir\u201d.<\/p>\n<p>\u0130qtisad\u00e7\u0131 bildirdi ki, kredit kartlar\u0131 il\u0259 ba\u011fl\u0131 bir \u00e7ox naraz\u0131l\u0131q hallar\u0131 ba\u015f verirdi ki, art\u0131q bunlar\u0131n da qar\u015f\u0131s\u0131 al\u0131nm\u0131\u015f olacaq: \u201cBurada bank\u0131n \u0259ld\u0259 etdiyi odur ki, art\u0131q borclar\u0131n vaxt\u0131-vaxt\u0131nda geri qaytar\u0131lmas\u0131 t\u0259min olunacaq\u201d.<\/p>\n<p><strong>Qaydalar daha da q\u0259lizl\u0259\u015f\u0259 bil\u0259r<\/strong><\/p>\n<p>A.\u0130brahimlinin fikrinc\u0259, krediti \u00f6d\u0259m\u0259 qabiliyy\u0259ti olan insanlar\u0131n narahat olaca\u011f\u0131 v\u0259ziyy\u0259t m\u00f6vcud deyil: \u201cR\u0259smi i\u015f yeri olan, kredit tarix\u00e7\u0259si normal v\u0259t\u0259nda\u015flarla ba\u011fl\u0131 h\u0259r hans\u0131 bir uzaqla\u015fd\u0131rma olmayacaq. Sad\u0259c\u0259, m\u00fc\u0259yy\u0259n proseduralarda d\u0259yi\u015fiklikl\u0259r edil\u0259c\u0259k. Qaydalar daha da q\u0259lizl\u0259\u015f\u0259 bil\u0259r\u201d.\/Kaspi.az<\/p>\n<\/div>\n<div><\/div>\n<div><\/div>\n<div class=\"inner-social-box\">\n<div class=\"subs-in-social subs-whatsapp\"><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>2024-c\u00fc ilin II r\u00fcb\u00fcnd\u0259 kredit kartlar\u0131 \u00fczr\u0259 kredit standartlar\u0131nda s\u0259rtl\u0259\u015fm\u0259 m\u00fc\u015fahid\u0259 edilib. Bu bar\u0259d\u0259 Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n kreditl\u0259\u015fm\u0259 f\u0259aliyy\u0259tin\u0259 dair sor\u011funun n\u0259tic\u0259l\u0259rind\u0259 bildirilib. Sor\u011fuya \u0259sas\u0259n, banklar 2024-c\u00fc ilin III r\u00fcb\u00fcnd\u0259 \u0259m\u0259khaqq\u0131 kreditl\u0259ri \u00fczr\u0259 standartlarda d\u0259yi\u015fiklik olmayaca\u011f\u0131n\u0131 v\u0259 kredit kartlar\u0131 \u00fczr\u0259 standartlarda s\u0259rtl\u0259\u015fm\u0259l\u0259rin yer alaca\u011f\u0131n\u0131 proqnozla\u015fd\u0131r\u0131rlar. \u0130nsanlar\u0131n kredit kartlar\u0131na t\u0259l\u0259binin artd\u0131\u011f\u0131 bir d\u00f6vrd\u0259 bu add\u0131m\u0131n at\u0131lmas\u0131 maraq do\u011furur. Kredit kartlar\u0131 \u00fczr\u0259 kredit standartlar\u0131nda s\u0259rtl\u0259\u015fm\u0259 q\u0259rar\u0131n\u0131 do\u011furan s\u0259b\u0259bl\u0259r hans\u0131lard\u0131r? Bu add\u0131m banklara n\u0259 qazand\u0131racaq? \u201cBank verdiyi v\u0259saitd\u0259n g\u0259lir \u0259ld\u0259 etm\u0259lidir\u201d Bank m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert Emin K\u0259rimovun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bir \u00e7ox hallarda v\u0259t\u0259nda\u015flar&hellip;<\/p>\n","protected":false},"author":2,"featured_media":753187,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[19],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/09\/5f42c7247817e2c3a1ced8c6655cb42e.jpg",660,462,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/09\/5f42c7247817e2c3a1ced8c6655cb42e.jpg",660,462,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/09\/5f42c7247817e2c3a1ced8c6655cb42e.jpg",660,462,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/09\/5f42c7247817e2c3a1ced8c6655cb42e-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/09\/5f42c7247817e2c3a1ced8c6655cb42e-521x365.jpg",521,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/09\/5f42c7247817e2c3a1ced8c6655cb42e.jpg",640,448,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/09\/5f42c7247817e2c3a1ced8c6655cb42e.jpg",660,462,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/09\/5f42c7247817e2c3a1ced8c6655cb42e.jpg",660,462,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/09\/5f42c7247817e2c3a1ced8c6655cb42e-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/09\/5f42c7247817e2c3a1ced8c6655cb42e.jpg",660,462,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/arantv.az\/?cat=19\" rel=\"category\">G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"2024-c\u00fc ilin II r\u00fcb\u00fcnd\u0259 kredit kartlar\u0131 \u00fczr\u0259 kredit standartlar\u0131nda s\u0259rtl\u0259\u015fm\u0259 m\u00fc\u015fahid\u0259 edilib. Bu bar\u0259d\u0259 Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n kreditl\u0259\u015fm\u0259 f\u0259aliyy\u0259tin\u0259 dair sor\u011funun n\u0259tic\u0259l\u0259rind\u0259 bildirilib. Sor\u011fuya \u0259sas\u0259n, banklar 2024-c\u00fc ilin III r\u00fcb\u00fcnd\u0259 \u0259m\u0259khaqq\u0131 kreditl\u0259ri \u00fczr\u0259 standartlarda d\u0259yi\u015fiklik olmayaca\u011f\u0131n\u0131 v\u0259 kredit kartlar\u0131 \u00fczr\u0259 standartlarda s\u0259rtl\u0259\u015fm\u0259l\u0259rin yer alaca\u011f\u0131n\u0131 proqnozla\u015fd\u0131r\u0131rlar. \u0130nsanlar\u0131n kredit kartlar\u0131na t\u0259l\u0259binin artd\u0131\u011f\u0131 bir d\u00f6vrd\u0259 bu add\u0131m\u0131n at\u0131lmas\u0131&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/753186"}],"collection":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=753186"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/753186\/revisions"}],"predecessor-version":[{"id":753188,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/753186\/revisions\/753188"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/753187"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=753186"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=753186"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=753186"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}